| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES PERRY ZANDER3 | 4655 N CENTRAL EXPWY 2ND FLOOR DALLAS, TX 75205 | UNITED HEALTHCARE INSURANCE COMPANY | $540 | $911 | $1K | 0.12% |
| JAMES PERRY ZANDER3 | 4655 N CENTRAL EXPWY 2ND FLOOR DALLAS, TX 75205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.81% |
| MARK S METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 5.15% |
| EPSI BENEFITS, INC.3 Filed as: EPSI BENEFITS | 2180 N LOOP W STE 400 HOUSTON, TX 77018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.45% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | 90410AMRGLEN DRIVE STE 100 AUSTIN, TX 78729 | METROPOLOTAN INSURANCE COMPANY | $12K | $3K | $14K | 23.08% |
| EMPLOYER PLAN SVCS INC5 Filed as: EMPLOYER PLAN SERVICES INC | 2180 NORTH LOOP W STE 400 HOUSTON, TX 77018 | METROPOLOTAN INSURANCE COMPANY | $2K | — | $2K | 3.81% |
| JAMES PERRY ZANDER3 | 4655 N CENTRAL EXPWY 2ND FLOOR DALLAS, TX 75205 | METROPOLOTAN INSURANCE COMPANY | $2K | $228 | $2K | 3.21% |
| MARK METTILLE3 | 4220WAUPONSEE STREET MORRIS, IL 60450 | METROPOLOTAN INSURANCE COMPANY | — | $1K | $1K | 2.29% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 254 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 282 | $1.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $86K |
| Vision | METROPOLOTAN INSURANCE COMPANY | 254 | $62K |
| Life insurance | METROPOLOTAN INSURANCE COMPANY | 254 | $62K |
| Short-term disability | METROPOLOTAN INSURANCE COMPANY | 254 | $62K |
| Long-term disability | METROPOLOTAN INSURANCE COMPANY | 254 | $62K |
| Other | METROPOLOTAN INSURANCE COMPANY | 254 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.